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Direct Risk Insurance - Final step future cover

We are committed to protecting and maintaining the privacy, accuracy and security of your personal information.

Australian privacy legislation gives individuals protection relating to the collection and use of their personal information.

Westpac Life Insurance Services Limited ABN 31 003 149 157 ('Westpac Life') and any other member of the Westpac Group* ('the Parties') may exchange with each other any information about you, including:

any information provided by you in the application for insurance; and

any other personal information you provide to any of them or which they otherwise lawfully obtain about you.

'Your health information' includes information or an opinion about:

your health or disability; and

any health service which has been or will be provided to you.

Westpac Life may collect your health information from your medical practitioner for the purpose of assessing the application for insurance. If so, Westpac Life will ask you to provide your written consent for the release of your health information.

If Westpac Life engages anyone (a 'Service Provider') to do something on its behalf (e.g. a mailing house or data processor) then Westpac Life and the Service Provider may exchange with each other any information referred to above.

Westpac Life might give any information referred to above to entities other than the Parties and the Service Providers where it is required or allowed by law or where you have otherwise consented.

The information referred to above will be used by the Parties and any Service Provider for assessing the application for insurance and, if the application is accepted, to issue the policy and for administration of the policy.

You can access most personal information that members of the Westpac Group hold about you. (Sometimes there will be a reason why that is not possible, in which case you will be told why.) To find out what sort of personal information members of the Westpac Group have about you, or to make a request for access, please telephone 13 18 17.

If you fail to provide any information requested in the Application Form, Westpac Life may not accept your application.

Conditions, limits and exclusions on cover apply, and are explained in the insurance policy wording. The insurance benefit payable from Westpac Future Cover is guaranteed by Westpac Life and is included in its No. 1 Statutory Fund.

These policies are distributed by Westpac Banking Corporation ABN 33 007 457 141. They are not deposits or other liabilities of the Bank or member companies of the Westpac Group (other than Westpac Life), and none of these companies guarantees the insurance benefits under the policies.

Important: You must read your duty of disclosure and the declaration below if you are applying for cover.

Your duty of disclosure: Under the Insurance Contracts Act 1984, you have a duty to complete your application honestly and to disclose to Westpac Life Insurance Services Limited everything you know, or could reasonably be expected to know, that might affect our decision to provide this insurance, and the terms on which we do so. You have the same duty to disclose those matters to us before you renew, upgrade, vary or reinstate any policy we may issue. If you do not comply with this duty, and we would not have entered into the policy on any terms had you done so, the law may allow us to invalidate your policy. Within the first 3 years, we may either invalidate the policy or reduce the sum insured according to a statutory formula (the formula takes into account the premium you would have paid if you had disclosed all relevant matters). If the non-disclosure is fraudulent, we may void the policy at any time.

Your declaration: My decision to apply for Westpac Future Cover is based upon material available online and my understanding of the information including the Key Features Statement. I have not received financial advice, or no fact find was undertaken, and I understand that by not receiving advice I risk making a financial commitment to a life policy that may not be appropriate to my needs and objectives.

I have read the product information, especially the Key Features Statement and my duty of disclosure, and declare that the answers provided are true and that I have not withheld any information that may affect the insurance.

Medical authorisation: I hereby authorise any doctor, hospital, clinic or medical-related facility to provide Westpac Life Insurance Services Limited with information regarding my health. A print out of this form shall be as valid as the original.

I authorise Westpac Life Insurance Services Limited to pass details in this application (apart from medical information) to Westpac Banking Corporation and its subsidiaries.

I understand these details will be used for statistical analysis and to inform me of other services.